The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,821
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,593
−HK$784/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$751/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,785
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$941/mo
Today · 4.125%
HK$31,653
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,306/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$902/mo
Today · 4.125%
HK$34,926
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,852/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,749
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$1,098/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,052/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,067
−HK$1,412/mo
Today · 4.125%
HK$47,479
baseline
▲ 0.50% · 4.625%
HK$50,368
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,958/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,703
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,036
−HK$1,353/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,192 · Scale 2, in force from 26 Feb 2026)